Premier Rewards Gold Card from American Express

  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal Introductory annual fee of $0 for the first year, then $195. N/A N/A N/A Airlines


Quick Summary:
This is a airline rewards card issued by American Express. This card is intended for consumers, or "personal use" with a nearly perfect credit history.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. Annual fee: Introductory annual fee of $0 for the first year, then $195.* This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This card can be used for airline rewards, where you can expect a "points" system or rebates for certain purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 715 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.

Other Basics:
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Our Editor's Commentary:
Consumers with excellent credit will enjoy everything the Premier Rewards Gold Card from American Express has to offer. This includes bonus points for spending $2,000 in purchases in your first three months, 3x points on airline ticket purchases, and a minimum of one point for every dollar spent.

Along with the rewards program, there are no foreign transaction fees. On top of this, the annual fee and purchase APR are competitive.

The Premier Rewards Gold Card from American Express is pure gold!


Approval Rate:
There were 17 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 94% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 715, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 7 users recommend this card.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.